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Upturn AI SWOT - About
INTR 
Inter & Co. Inc. Class A Common Shares (INTR)
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Upturn Advisory Summary
06/27/2025: INTR (3-star) is a STRONG-BUY. BUY since 46 days. Profits (16.48%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
10 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $7.05
Year Target Price $7.05
| 5 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Under performing |
| 1 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 85.55% | Avg. Invested days 38 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.23B USD | Price to earnings Ratio 17.93 | 1Y Target Price 7.05 |
Price to earnings Ratio 17.93 | 1Y Target Price 7.05 | ||
Volume (30-day avg) - | Beta 1.17 | 52 Weeks Range 3.82 - 7.76 | Updated Date 06/29/2025 |
52 Weeks Range 3.82 - 7.76 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.09% | Basic EPS (TTM) 0.41 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.49% | Operating Margin (TTM) 27.89% |
Management Effectiveness
Return on Assets (TTM) 1.52% | Return on Equity (TTM) 12.36% |
Valuation
Trailing PE 17.93 | Forward PE 11.85 | Enterprise Value 24213833728 | Price to Sales(TTM) 0.65 |
Enterprise Value 24213833728 | Price to Sales(TTM) 0.65 | ||
Enterprise Value to Revenue 4.14 | Enterprise Value to EBITDA - | Shares Outstanding 322657984 | Shares Floating 177358009 |
Shares Outstanding 322657984 | Shares Floating 177358009 | ||
Percent Insiders 25.16 | Percent Institutions 26.85 |
Analyst Ratings
Rating 4.1 | Target Price 7.05 | Buy 3 | Strong Buy 5 |
Buy 3 | Strong Buy 5 | ||
Hold 1 | Sell - | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Inter & Co. Inc. Class A Common Shares
Company Overview
History and Background
Inter & Co. Inc. (formerly Banco Inter) was founded in 1994 in Belo Horizonte, Brazil, as a real estate credit company. It has since evolved into a comprehensive digital banking platform offering a wide range of financial and non-financial services.
Core Business Areas
- Banking Services: Provides checking accounts, savings accounts, credit cards, personal loans, and mortgage financing.
- Investment Platform: Offers access to stocks, bonds, ETFs, and other investment products.
- Insurance: Provides life, auto, and home insurance products.
- Marketplace: An e-commerce platform integrating a variety of retailers into its digital ecosystem.
Leadership and Structure
Jou00e3o Vitor Menin is the current CEO. The company has a board of directors overseeing its strategic direction. The organizational structure is designed to support its diverse business segments.
Top Products and Market Share
Key Offerings
- Digital Banking Accounts: Free digital checking accounts are the gateway to Inter's services, attracting and retaining users. Market share within Brazil's digital banking sector is growing, but precise figures are difficult to pinpoint. Key competitors include Nubank, PagBank, and PicPay. Number of clients exceed 30 million.
- Credit Cards: Offer various credit card options with rewards programs and cashback benefits. Market share data for credit cards is competitive within the Brazilian market. Competitors include Itau Unibanco, Bradesco and Santander Brasil. Revenue from Credit Card operations is a significant contributor to overall banking services revenue.
- Investment Platform: Provides access to a variety of investment products. Growth in users of the investment platform is substantial. Competition includes XP Inc. and BTG Pactual.
Market Dynamics
Industry Overview
The Brazilian financial services industry is undergoing rapid digital transformation, with increasing adoption of online banking and fintech solutions. The marketplace for financial services is extremely competitive.
Positioning
Inter & Co. is positioned as a comprehensive digital platform, offering a wider range of services compared to some fintech competitors. Its strategic advantage is providing both financial and non-financial services to clients.
Total Addressable Market (TAM)
The TAM for financial services in Brazil is estimated to be in the hundreds of billions of dollars. Inter & Co. is positioned to capture a significant share of this market through its digital platform and diversified service offerings.
Upturn SWOT Analysis
Strengths
- Comprehensive digital platform
- Strong brand recognition in Brazil
- Rapid customer growth
- Diversified revenue streams
- Technological innovation
Weaknesses
- Exposure to Brazilian economic volatility
- Reliance on technology infrastructure
- Intense competition in the fintech sector
- Regulatory uncertainty in Brazil
Opportunities
- Expansion into new markets
- Development of new products and services
- Strategic partnerships with other companies
- Increased adoption of digital banking
- Cross-selling opportunities within its ecosystem
Threats
- Increased competition from established banks and fintech companies
- Cybersecurity risks
- Changes in government regulations
- Economic downturn in Brazil
- Negative consumer sentiment
Competitors and Market Share
Key Competitors
- NU
- XP
- PAGS
- MELI
Competitive Landscape
Inter & Co. competes with established banks, fintech companies, and e-commerce platforms. Its advantages include its comprehensive digital platform and strong brand in Brazil. A disadvantage includes heavy Brazilian market focus.
Major Acquisitions
USEND
- Year: 2020
- Acquisition Price (USD millions): 10
- Strategic Rationale: Expanded Inter's cross-border payments capabilities.
Growth Trajectory and Initiatives
Historical Growth: Inter & Co. has demonstrated rapid growth in customer acquisition and revenue over the past years.
Future Projections: Future growth is projected to be strong, driven by increasing adoption of digital banking and expansion into new markets and services. Analyst estimates vary.
Recent Initiatives: Recent initiatives include launching new investment products, expanding its marketplace, and improving its technology infrastructure.
Summary
Inter & Co. is a rapidly growing digital bank in Brazil. It has a comprehensive platform with a large and growing customer base. However, it faces strong competition and exposure to the Brazilian economy. Expansion in services and products will allow increased growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on your own research and risk tolerance.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Inter & Co. Inc. Class A Common Shares
Exchange NASDAQ | Headquaters Belo Horizonte, MG, Brazil | ||
IPO Launch date 2022-06-23 | CEO of Inter Invest Mr. Felipe Bottino | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://investors.inter.co |
Full time employees - | Website https://investors.inter.co | ||
Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage businesses. The Banking & Spending segment offers banking products and services, including checking accounts, cards, deposits, loans and advances, and other services. It also provides debt collection, foreign exchange, and financial services, as well as global account digital solution. The Investments segment offers acquisition, sale and custody of securities; structure and distributes securities in the capital market; and operates and manages fund portfolios and other assets. The Insurance Brokerage segment provides warranties, life, property and automobile insurance, pension, and consortium products. The Inter Shop segment includes sale of goods and/or services through digital platform. Inter & Co, Inc. was founded in 1994 and is based in Belo Horizonte, Brazil.
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